Psychology of money – Mary Holm https://maryholm.com NZ's most trusted personal finance journalist Fri, 19 Dec 2025 15:43:37 +0000 en-NZ hourly 1 https://wordpress.org/?v=5.2.21 RNZ Radio 18 December 2025 https://maryholm.com/rnz-radio-18-december-2025/ Thu, 18 Dec 2025 02:15:46 +0000 https://maryholm.com/?p=12731 Questions from listeners on this Also a question on whether you can make faster repayments on a fixed term mortgage Listen to the segment below, or click here to read Radio NZ’s summary. You can listen to these sessions as podcasts. Subscribe free to Mary’s RNZ podcast here. No paywalls or ads — just generous people like you. All Kiwis deserve accurate, unbiased financial guidance.

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RNZ Radio 11 September 2025 https://maryholm.com/rnz-radio-11-september-2025/ Thu, 11 Sep 2025 03:15:01 +0000 https://maryholm.com/?p=12643 Now it’s a “buyers’ market’ — but don’t try to time markets Get a LIM — important info See property at different times Check the neighbourhood Online valuations Building inspection Negotiating — including auctions Very important: be prepared to walk away. There are always other good houses! Listen to the segment below, or click here to read Radio NZ’s summary.

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RNZ Radio 14 August 2025 https://maryholm.com/rnz-radio-14-august-2025/ Thu, 14 Aug 2025 03:15:12 +0000 https://maryholm.com/?p=12600 Lack of fund is source of stress Priorities with your money How much? Where to save — including idea for those with mortgages How to build a fund A “charity fund”? If you use the money… Listen to the segment below, or click here to read Radio NZ’s summary. You can listen to these sessions as podcasts. Subscribe free to Mary’s RNZ podcast here. No paywalls or ads — just...

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RNZ Radio 31 July 2025 https://maryholm.com/rnz-radio-31-july-2025/ Thu, 31 Jul 2025 03:15:26 +0000 https://maryholm.com/?p=12588 Survey: we don’t insure what matters most Why that might be? Does self insurance work? Is insurance a good deal? Ways to cut insurance costs Self-employed should stick with KiwiSaver Listen to the segment below, or click here to read Radio NZ’s summary. You can listen to these sessions as podcasts. Subscribe free to Mary’s RNZ podcast here. No paywalls or ads — just generous...

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NZ Herald 7 June 2025 https://maryholm.com/nz-herald-7-june-2025/ Fri, 06 Jun 2025 12:00:03 +0000 https://maryholm.com/?p=12552 You’ve done well, but don’t lose compassion Spending seems to rise in retirement? Living on NZ Super — with plan for health costs Not Planning on Home Ownership QAs immigrants, we had to start all over again, with two preschoolers. Money was spent within our means, no fast food and junk, just wholesome meals and an annual holiday as a meaningful treat. It was boring, and a lot of will...

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NZ Herald 29 March 2025 https://maryholm.com/nz-herald-29-march-2025/ Fri, 28 Mar 2025 11:00:39 +0000 https://maryholm.com/?p=12417 Put inheritance in finance company deposits? Should badly advised readers hire a lawyer? Bad advice ruined retirement Tax deductions might help couple Spend savings before postponing rates Psychology and selling gradually KiwiSaver funds usually unit trusts The maths of dollar cost averaging QI am wondering if you are doing a current update on investing, considering gold’s rise etc etc.

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RNZ Radio 13 March 2025 https://maryholm.com/rnz-radio-13-march-2025/ Thu, 13 Mar 2025 02:15:29 +0000 https://maryholm.com/?p=12403 A listener’s email about children’s KiwiSavers, but it applies to everyone Don’t judge performance over short periods Stick with growth fund if not spending the money soon Contributing in downturns is a plus! How to support children and young adults in KiwiSaver Answers to listener Qs on KiwiSaver and market volatility Listen to the segment below, or click here to read Radio NZ’s summary.

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NZ Herald 22 February 2025 https://maryholm.com/nz-herald-22-february-2025/ Fri, 21 Feb 2025 11:00:42 +0000 https://maryholm.com/?p=12380 Should the son inherit more? Were the old days really better for women? “Fairer” NZ Super could be a nightmare Are over 65s really working more? Investment firm defends their numbers QLast week’s letter regarding boys getting the lion’s share of parental financial help really got to me. We were financially very secure, we put both son and daughter through private schools. Our daughter flew high...

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NZ Herald 14 December 2024 https://maryholm.com/nz-herald-14-december-2024/ Fri, 13 Dec 2024 11:00:50 +0000 https://maryholm.com/?p=12321 Sorry but a motorhome is not a home! Don’t forget dividends when judging ETF performance Could a US share crash be coming? A warning about charity donations, but…. Defending luck, again! Means testing NZ Super not the answer QI’ve just read about a couple cashing in their KiwiSaver balances to buy their first home. They plan to start saving again for retirement in their 50s. This has got me...

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NZ Herald 7 December 2024 https://maryholm.com/nz-herald-7-december-2024/ Fri, 06 Dec 2024 11:00:05 +0000 https://maryholm.com/?p=12316 Where to get financial help — some of it free How do bank advisers fit in? Yes, children are learning about money Many over 65 struggle Would Q&A have upset people? What’s luck got to do with it? QI am seeking a recommendation for a financial adviser please. As an early 60s white male, typically hardworking and generous, I have found myself in a pickle and wish to seek sound financial advice.

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